Personal loans in Bayou La Batre, AL

A personal loan in Bayou La Batre is priced from your credit file and income, not from the fact that the city holds 2,155 people. Compare APR, not the interest rate, because the APR folds in most fees on a Bayou La Batre loan.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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At about 2,155 residents, Bayou La Batre is larger than roughly 62% of the places in Alabama. Rate ceilings, licensing requirements and product limits for Bayou La Batre are all set at the Alabama level. Population in Bayou La Batre dropped about 1.9% over the three years from 2020 to 2023. Borrowers who want a bigger city can look to Moss Point, MS about 16 miles away.

Local context for Bayou La Batre

Two layers matter for a Bayou La Batre borrower: the local population picture and Alabama's consumer-lending statutes.

Population: 2,155 residents; Bayou La Batre is the 175th-largest of 462 places in Alabama (US Census Bureau, Vintage 2023).
Population trend: A decline of about 1.9% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 42 residents.
Size percentile: about 62% of Alabama communities are smaller than Bayou La Batre (2,155 residents).
Population density: 288 people per square mile on 7.5 square miles of land.
Land area rank: Bayou La Batre's 7.5 square miles rank 189th of 462 places in Alabama.
Water area: Bayou La Batre has 0.14 square miles of water, ranking 93rd of 462 places in Alabama.
Share of state population: Bayou La Batre's 2,155 residents are about 0.1% of Alabama.
National standing: Bayou La Batre ranks 7,364th of 19,457 US places.
Growth in Alabama: Bayou La Batre stands 320th by percentage change from 2020 to 2023, among 462 places.
Against the state trend: Bayou La Batre's 1.9% change compares with a Alabama average of +1.0% across its 462 places.
Density in Alabama: Bayou La Batre ranks 202nd by people per square mile.
Density vs Alabama: Bayou La Batre's 288 people per square mile compare with a state median of 259.
Location: mapped by the US Census Bureau at 30.4076, -88.2633.
Nearest larger cities: Moss Point (16 mi); Pascagoula (18 mi); Mobile (20 mi); Gautier (24 mi); Fairhope (24 mi). A branch is convenient; it is not what sets your APR.
Smaller places nearby: Dauphin Island (12 mi); Magnolia Springs (29 mi); Silverhill (32 mi).
Smaller places within 50 miles: 8 of them.
Larger places within 100 miles: 50.

How personal loans work in Bayou La Batre

With roughly 2,155 residents, Bayou La Batre is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Bayou La Batre's rank of 175th in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Bayou La Batre loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Bayou La Batre borrowing checklist

Before you apply in Bayou La Batre, a community of about 2,155, work through these steps:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Use the loan calculator to test the payment on your intended amount and term.
Shop at least three lenders and judge them on APR and total cost.
Verify the lender's Alabama licence with the regulator listed on this page.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

In Bayou La Batre as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 2,155 residents.

Borrowing reach in Bayou La Batre

Bayou La Batre is lightly settled, with about 288 people per square mile and 24 larger places within 50 miles. Distance to a branch rarely matters for Bayou La Batre's 2,155 residents: the application is online and the price follows your credit file. The nearest bigger place is Moss Point, MS about 16 miles away.

Which Alabama laws govern a loan in Bayou La Batre

Below are the Alabama rules that apply to a loan made in Bayou La Batre, each with the regulator that issued it.

Rule	Detail	Source
State lending regulator	Alabama State Banking Department — Bureau of Loans (BOL) Source says: "The Bureau of Loans (hereinafter “the BOL”) was established in 1945". The BOL administers the Small Loan Act, Consumer Credit Act, Pawn Shop Act, Mortgage Brokers Licensing Act, Deferred Presentment Services Act and SAFE Act.	Alabama State Banking Department as of 2026-09-16
Parity lending rate provision (§ 8-8-1.1)	Any lender may charge the same rates as any federally or state-chartered or licensed lending institution in Alabama Source says: "may, on any loans or extensions of credit made by them, charge or impose the same rate of interest or finance charge".	Alabama Legislature — Code of Alabama 1975, § 8-8-1.1 as of 2026-09-16
Maximum legal interest rate (usury cap)	6% per annum without a written contract; 8% per annum by written contract Source says: "except by written contract is $6 upon $100 for one year"; "the rate of interest by written contract is not to exceed $8 upon $100 for one year". (Code text retrieved from the Alabama Legislature's official Code of Alabama service.)	Alabama Legislature — Code of Alabama 1975, § 8-8-1 as of 2026-09-16

Where Bayou La Batre sits in Alabama

Set beside Alabama's 462 places, Bayou La Batre ranks 175th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Bayou La Batre ranks 320th of 462 in Alabama (about the 31th percentile). At about 288 people per square mile, Bayou La Batre is the 202nd most densely settled place in Alabama. In land area, Bayou La Batre ranks 189th among Alabama's 462 places.

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Common questions

What are my options in Bayou La Batre if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bayou La Batre is the same as anywhere in Alabama.

What loan size can I expect in Bayou La Batre?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Bayou La Batre?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Bayou La Batre cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Dauphin Island, AL — population 1,895
Moss Point, MS — population 11,890
Pascagoula, MS — population 21,582
Mobile, AL — population 182,595
Prichard, AL — population 18,816
Semmes, AL — population 5,846
Gautier, MS — population 19,021
Fairhope, AL — population 24,974